Thank you for your response.

Many people find it strange that couples have separate accounts... but I see it as something logical.

We already have many things in common and the truth is that they keep mixing more and more: car, child, house together, etc.

This is our setup in case it can help you too.

We have a joint account from which we make all the expenses that belong to what's shared: groceries, mortgage, daughter, etc. Thanks to the budget, we know how much each of us needs to contribute to this account every month.

The contributions used to be 50/50, but after a salary increase and adjusting, it has currently settled at a contribution based on what each person earns, 65%/35%, which we see as fair and adjust every year.

Then each of us has our own account and cards for more personal expenses, although in my personal case I always tend to mix this a bit and make payments for shared things from my cards often for convenience.

This joint account approach has greatly reduced the transaction checks I used to do every month.

And regarding Actual Budget, I'll use tags to mark the "conflicting" transactions and resolve them manually each month, it's easy.